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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.852%APR 6.887% | 0 pts$0 | $1,283/moP&I $1,283 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.984%APR 6.752% | 0 pts$0 | $1,283/moP&I $1,192 · MI $91 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.916%APR 5.964% | 0 pts$0 | $1,163/moP&I $1,163 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.884%APR 6.919% | 0 pts$0 | $1,287/moP&I $1,287 · MI $0 | See details |
| Investment Property FixedConforming | 7.553%APR 7.593% | 0 pts$0 | $1,376/moP&I $1,376 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.916% | 5.964% | 0 pts ($0) | $1,643/mo | $32,509 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.875% | 5.923% | 0 pts ($0) | $2,048/mo | $45,117 |
Condo 10% Down | 10% | 720 credit score | 7.070% | 7.236% | 0 pts ($0) | $1,475/mo | $51,610 |
Conventional 10% Down | 10% | 720 credit score | 6.544% | 6.697% | 0 pts ($0) | $1,398/mo | $48,120 |
Conventional 20% Down | 20% | 740 credit score | 6.852% | 6.887% | 0 pts ($0) | $1,283/mo | $39,598 |
Conventional 5% Down | 5% | 700 credit score | 6.975% | 7.451% | 0 pts ($0) | $1,542/mo | $53,811 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.296% | 7.333% | 0 pts ($0) | $1,677/mo | $57,544 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,448/mo | $49,054 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.756% | 7.130% | 0 pts ($0) | $1,540/mo | $55,514 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.884% | 6.919% | 0 pts ($0) | $1,609/mo | $54,505 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,019/mo | $48,135 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.984% | 6.752% | 0 pts ($0) | $1,438/mo | $50,422 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,482/mo | $51,892 |
FHA Streamline Refi | 0% | 640 credit score | 6.116% | 6.886% | 0 pts ($0) | $1,511/mo | $53,238 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.949% | 7.191% | 0 pts ($0) | $1,538/mo | $55,721 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,531/mo | $29,968 |
Investment Property 25% Down | 25% | 740 credit score | 7.553% | 7.593% | 0 pts ($0) | $1,290/mo | $41,003 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,319/mo | $41,209 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,423/mo | $43,619 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.355% | 7.130% | 0 pts ($0) | $1,496/mo | $53,102 |
Second Home 10% Down | 10% | 720 credit score | 5.999% | 6.572% | 0 pts ($0) | $1,320/mo | $44,511 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,287/mo | $39,787 |
VA 0% Down | 0% | 700 credit score | 5.981% | 6.223% | 0 pts ($0) | $1,495/mo | $49,272 |
VA Cash-Out Refi | 0% | 640 credit score | 5.988% | 6.354% | 0 pts ($0) | $1,496/mo | $49,324 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.001% | 6.151% | 0 pts ($0) | $1,499/mo | $49,422 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,346/mo | $42,590 |
Frequently Asked Questions
What are today's mortgage rates in 99129, , WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 99129, , WA is 6.852% (with an estimated monthly payment of $2,818). Active program rates also include FHA 30-year fixed loans at 5.984% and VA 0%-down fixed loans at 5.981%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 99129, , WA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 99129, , WA have fluctuated between a low of 6.473% and a high of 6.934%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 99129, , WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $244,654 in 99129, , WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $48,931 but keeps your monthly payment lower at $2,818/mo (at 6.852% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,563 (3.5% down) but has an estimated payment of $3,159/mo (at 5.984% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $236,091 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 99129 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 99129 is $806,501. With a typical local home value of $244,654 in , a standard 20%-down mortgage requires a loan size of $195,723. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 99129, , WA impact estimated mortgage payments?
The median home value in 99129, , WA is estimated at $244,654. Buying a typical home here with a standard 20% down payment ($48,931) translates to an estimated starting monthly mortgage payment of $2,818 (principal and interest). Compared to the local area median household income of $54,667 ($4,556/mo), this basic housing payment represents approximately 61.9% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.